@Chuck Taylor  - Our social media is rather poor we need to strengthen that channel.  

I am looking for my first property sub 90k and thinking I need around 25k to safety start. 16k-18k for down payment and the rest for remodeling and reserves.

I envision a community with pools, clubhouse, social gatherings, shuttles to nearby shopping and medical, "handyman" type services to help seniors with maintaining their homes and yards, someone who can run errands, etc.

I have been looking at investment properties and learning a lot about investing but I am a little confused about who pays for the increases in the safety deposit.In a lease renewal, the rent will usually increase and so will the security deposit.

I will tell you what lenders are looking for is safety.

Thing is I'd have less cash flow (but still would cover mortgages and have some cash flow even after budgeting for expenses) and a higher interest rate than the sweet 3.xx rates I have now and less margin of safety in some ways.

Unlike passive rental income, the income from an active trade or business is subject to self employment tax (a nasty 15% tax commonly referred to a "social security and medicare" by working folks).

I am not the kind of person to do cold calling (sorry) and i love social media marketing but i need a bit more... 

You made the first step in connecting on the largest social network specifically for the Real Estate Investing industry.

Putting your money in the stock market or expecting social security to take care of you seems more risky to me.